Macro Outlook and Financial Performance

19 Strategic Priorities + +4 + II Bo Client Focus Top quartile client and partner satisfaction scores Revenue growth 5% to 9% Employee Engagement Upward trend in eNPS Increasingly diverse workforce Improved workforce return on investment Risk and Conduct Operate within risk appetite and conduct framework Common equity tier 1 (CET 1) ratio > 11% Credit loss ratio 70bps to 100bps Operational Excellence Lower cost to serve Cost-to-income below 60% System security and stability Improving data monetisation Financial Outcome ☐ Sustained headline earnings growth ROE of above 15% R SEE Impact Support the development of alternative building materials Standard Bank

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